First Steps to Solvency

Kakiste

Maybe you could be responsible for shifting the culture back? Maybe it's time to suggest a work christmas outing but to do something like clay pigeon shooting, offroading experience day etc- something fun but that doesn't run into everyone being drunk and taking drugs. 

Kakiste

Also- amazing amount of the cards- Keep going!

alt80

Day 174

I really struggled with sleep last night and today hasn't been great as a result just generally too tired for anything rather than problematic as such. No spends / no anything haha. 

@RelievedSheff ha who knows lol thank you though.

@Kakiste Thank you. My wife has organised an AF Christmas lunch for all of us. I think some might be disappointed but others  - ones who didn't enjoy the usual nights out will appreciate it. I am really looking forward to it. We are planning a few AF events over the coming year between my wife/ secretary and I.

ladyholly

AF events for your staff are definitely the way to go. I am sure some of them will really appreciate it just watch out for the one who smuggles in a small bottle of vodka or something as some people do not seem able to enjoy themselves without a drink. (I have a nasty suspicious mind).

Your card totals are doing well as are you. Is the impending season causing your poor sleep pattern and it being a very different year

from previous years?

enthusiasticsaver

The cards are coming down nicely. Not long until you under £20k. I take it your plan is to finance the RR balloon payment on 0% cards? Is that 2023? 

alt80

Day 175 making 25 weeks free. Can’t stop smiling about making it so far tbh. Definitely wasn’t this cold when I stopped though ha. 

@ladyholly haha they don’t know lunch is AF yet lol but yeah I know a few people like that. 

Re sleep coming festive season probably isn’t helping tbh. Christmas is a funny time of year at the best of times. 

@enthusiasticsaver April 24 for balloon payment. Had to look you made me panic it was 23 for a moment haha. Realistically I plan to be free of the current 0% deals November 22 (when deals run out) and cut my divi payment from dec 22 to when the 0% is due apr 24. It’ll allow me to get around £32-35k net together. Balloon payment is £48.5k c 6 months before due I’ll keep the remainder in the business until due and load spends onto 0% cards. After car paid I’ll throw money at the 0% to get those cleared. Other option is to not load any 0% purchase and take a rest as a loan from ltd pay off over the 9 months. Haven’t fully worked out what I’m doing yet but either option keep to being interest free.

Also been having fleeting thoughts about moving the car on. I’m using the EQC mainly and for the type of shortish journeys we do it’s amazing hate to say it but 9/10 it’s better

RelievedSheff

Never ever thought I would see you write those words about the beloved RR 

alt80

Used car values are mad at the moment just out of pure curiousness after a thought being prompted writing on here got a price from the we buy any car place would give me more than I owe on it right now lol. A part of me is tempted to just move it on. It’s the last big thing I bought when I was in a really bad place with my addiction. Idk probably just a mad thought but could sell it, get another electric car and the MG bought from my mate then save up for something else after I’ve cleared my cards. Have been tempted to do similar with my house tbh I’m not really enjoying living so close to town currently although I like my home and it’s immediate area as all the NG people on here will know once you get out of Mapperley Park itself, everywhere around it isn’t very nice tbh fringes of MP are a bit !!!!!! too really and there’s no amenities in my immediate area. City areas for you ha always been where I’ve lived tbh at least somewhat driven by my addiction. Now I don’t do it anymore I spend my weekends getting out of the local area. Know I don’t need to jump at anywhere but even I spend £750-800k no more or less and on a project I could get something nice outside of town. 

Just some thoughts I want to come back to. 

Kakiste

Used car prices are really mental- I got an email from the dealership I bought my car from offering me £6k for my car! Which astonished me, So I can only imagine what a RR would be worth right now. 

alt80

@RelievedSheff I’m not driving the car much and not like we regularly drive long distances which it is brilliant for and better than the EQC. For shorter journeys the EQC is tbh the better car. I still think it’s a brilliant car generally but for it to owe me £115k + interest paid when it’s almost four and a half years old and just getting older/ depreciating when I can lease another electric car through my business and just keep swapping them every 3 years, always have a manufacturer warranty, never have to MOT them etc. I’m just not sure it’s worth it. Besides 2024 is electric Range Rover time ha game changer. I still like cars and the engine in my Range Rover is glorious, I’m not going to pretend otherwise but that car and my home to an extent too have given me some !!!!!! awful memories. Part of my head wonders if it’s time to just get my cards paid off, consolidate what I have and move on for good. With the commitments gone, car gone and my home sold I can get together there or thereabouts £350k with doubling my mortgage payment to c £2.5k/m that would buy me a nice home that I think I could spend the rest of my days in without every time I wonder into one of the rooms having a !!!!!! breakdown. Idk just thinking about where I want to go in recovery life.

@Kakiste I don’t think it will go on forever tbh. As for what my Range Rover is worth, really it’s beyond the point as I’ve got a massive settlement on it anyhow so not like I’m going to see a load of cash.